Software is one of those expenses that will break you. Microsoft Office doesn't need to be updated as often as they lead you to believe. Microsoft Office 365 is now being offered and you renew that every year to the tune of 70 dollars. There are ways around this, you can find Microsoft Office for less if you shop around. If you are attending university, many offer Microsoft Office for free. My photo editing software was expensive until I found it on clearance. Buyers be warned: these off-sites that offer Office for 65% to 90% off are a scam.
Buy the best you can afford in high-use items. Our overhead stove fan from Lowe's I took back last night. It wasn't working correctly. We have a natural gas stove and I get a headache when we run the fan on low. It turns out it wasn't running on the lowest setting. So, we purchased the next price range up and read the consumer reports on the new fan.
Do you have credit card debt? Pay it off using a schedule and stick to it. Call up credit counseling for help. Sell things to reduce your debt. Generate income and apply it to your debt. Remember good credit affects your insurance rates.
Take off your shopping apps on your phone if you shop online.
Use your credit card to your advantage for gift cards, free airfare, care rental, and hotels. Pay that balance off every month.
Create your own health and beauty items. Make your own household cleaners. I used to spend a devastating amount on this area and the waste generated by the products.
Use gas apps to save on fuel.
Avoid lifestyle creep. Send your raise or that paid off car payment to savings.
Cook things in bulk that taste better when they sit for lunches.
Disenchanted with your home? Learn to practice gratitude. Do mini refreshes with decluttering, repurposing things, and painting things. Every so often, I walk through the house as though I need to stage to sell. I often take pictures of our rooms to have a fresh pair of eyes.
No comments:
Post a Comment